They make money somehow. All the people that are employed in that industry, tha companies, they're making money somehow, even if if you can't point to a line i

They make money somehow. All the people that are employed in that industry, tha companies, they're making money somehow, even if if you can't point to a line item on a specific transaction. Exactly. Retail stores basically don't exist (or are in a clear downward trend) for the same reasons. People realizing they don't add value and they can just buy their stuff directly. It's the same here, how does quicken loans add value? They do something the people they sell the loan to can't? Not really, it's just marketing. Quicken loans has built a marketing funnel, they get the loans, then sell them. The value they add is marketing.